5 Tools to Help You Find the Cheapest Textbooks

Textbooks

Students spend thousands on textbooks. It doesn’t matter what field you’re studying. Literature? You’ve got to buy thirty-five novels for every class. Science or math major? Textbooks for these classes routinely cost upwards of $100 or more. But there are ways to get ahead of the curve on textbooks, and great ways to save money. […]

Published or Updated: August 5, 2014

DR 096: Dividend Investing (Part 1)–What are Stock Dividends?

What are Stock Dividends

One of my favorite aspects of investing is receiving a dividend payment. Each month I look to see how much I earned in dividends, and I track this amount yearly. In fact, dividends play a significant role in my investment policy related to individual stocks. With the exception of Berkshire Hathaway, every business whose shares […]

Published or Updated: August 16, 2014

DR 095: 5 Places To Keep Your Down Payment When Saving to Buy a Home

Cash

Photo: Phil Romans Saving to buy a home is both exciting and overwhelming. When my wife and I were saving to buy our first home, I thought we’d never have enough for the down payment. But somehow we came up with the money. One of the keys to our success was saving the cash in […]

Published or Updated: August 10, 2014

DR 094: 22 of the Best Tools to Manage Your Money (most are totally FREE)

Money Tools

Most of us use a lot of tools to manage our money, budget, investments, and so forth. So I thought I’d pull together a list of the tools I use nearly every day. Hopefully you’ll find some options here that will help you make the most of your money. Investing 1. Personal Capital: Without question […]

Published or Updated: August 10, 2014

DR092: How One Doctor is Learning to Invest Like a Pro

GRADUATINGDEBT FREE (3)

It all started with a simple question about dividends and mutual fund fees. A listener to the podcast named Stephanie wanted to know if a fund’s returns were after fees and dividends. (They are.) After I learned more about Stephanie’s finances and career through several email exchanges, I popped the question. No, not that question. […]

Published or Updated: July 24, 2014

DR 091: Don’t Make the Same $100,000 Retirement Mistake I Just Made

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If you have self-employed income in addition to your regular job, can you contribute to a SEP IRA even if you have a 401k at work? This question hit home for me a few years ago due to the income generated from this website. To get right to the point, the answer to the question […]

Published or Updated: July 23, 2014

DR 090: Roth vs. Traditional IRA or 401k: The Math Behind This Important Decision

Roth vs. Traditional 401k

It’s without a doubt the most frequent question I receive from readers of this blog. People want to know whether they should put their retirement savings in a Roth vs traditional IRA or 401k. I’ve written a lot about these retirement options. If you are new to retirement accounts, I’d suggest you start by reading […]

Published or Updated: July 24, 2014

DR 089: 12 Keys to Making Smart Financial Decisions (#7 is a Doozy)

12 Keys to Making Smart Financial Decisions

We face countless personal finance decisions every day. They range from the seemingly trivial (should we go out for dinner) to the more impactful (how much should we spend on a home). Yet each of these decisions work together to over a lifetime to define our finances. Over the course of running this blog since […]

Published or Updated: July 23, 2014

DR 088: 3 Key Ratios to Evaluate Real Estate Investments (#1 is All You Really Need)

Real Estate Invesmtents

Recently a number of listeners to the podcast have asked about evaluating real estate investments. They want to know how much rent they would need to charge for a specific property to make it a “good” investment. The good news is that evaluating the numbers is really simple. Today we’ll look at 3 key ratios […]

Published or Updated: July 14, 2014